409 E Orleans St, Otsego, MI 49078 Property Records

Allegan County property record for 409 E Orleans St, Otsego, MI 49078

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,806 sqft · built 2005
Lot Size	0.213 acres (9,278 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Mar 2011)
Tax Bill	$3,109 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-023-021-10`

Property Details

APN / Parcel Number

Primary APN	`54-023-021-10`
Alternative APN	`03-54-023-021-10`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,806 sqft Living Area
1st Floor Area	999 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Lot Area	9,278 sqft (0.213 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E ORLEANS ST
City	OTSEGO
State	MI
Zip	49078-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-B
Legal Description	COM ST SE COR LOT 20 BLOCK 5 O.P. TH S 75 DEG 40' E 132' TH N 14 DEG 20' E 165' TH N 75 DEG 40' W 132' TH S 14 DEG 20' W 165' TO POB EX N'LY 10' ALSO EX W'LY 72' SEC 23 T1N R12W (90)
Legal Range	12W
Legal Township	01N
Legal Section	23
Legal Block	5
Legal Lot Number	20
Jurisdiction	ALLEGAN MI
Township / Civil Division	OTSEGO
Census Block Group	2
Census Block	2000
Census Tract	31900

Owner

Source: Allegan County records, as of October 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	409 E ORLEANS ST, OTSEGO, MI 49078-1130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Sep 14, 2021	Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2011 · Amount on Record
Deed Sale	Mar 7, 2011 · Amount on Record
Prior Sale	Jul 28, 2006 · Amount on Record
Deed Book / Page	3499 / 557
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Recording Date	Sep 21, 2026
Property Address	409 E ORLEANS ST, OTSEGO, MI 49078-1130
Document Number	0000016012
Book / Page	5177 / 29
Instrument Date	Aug 27, 2026
Instrument	202616012
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E ORLEANS ST, OTSEGO, MI 49078-1130

Mortgage

Document Number	0000016012,
Date	Sep 21, 2026
Book Page	5177/29
Instrument	202616012

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	409 E ORLEANS ST, OTSEGO, MI 49078-1130
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E ORLEANS ST, OTSEGO, MI 49078-1130

Mortgage

Document Number	4670/750
Date	Sep 14, 2021
Book Page	4670/750

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
Municipality	Otsego City
Unified School District	Otsego Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,000 (+32.27%) Land $10,100 Building $146,900	$314,000 (+32.27%) Land $20,200 Building $293,800
2025	$3,109.00 (+19.44%)
2023		$118,700 Land $5,100 Building $113,600	$237,400 Land $10,200 Building $227,200
2022	$2,603.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OTSEGO serves 4,120 people · EPA ID MI0005060
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Orleans St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures